It's also that to manage the complexity, individuals become hyper-specialized. So when a crisis comes along, that civilization can't repurpose people quickly enough to cope.
"A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently, die gallantly. Specialization is for insects."
— Robert Heinlein
It's my favorite Heinlein quote by far and I try to live by it but in the short term there is much to be gained for an individual by specializing, specialists tend to rake in the big bucks, generalists not so much.